Arm Financial LLC

ITEM 5 – FEES AND COMPENSATION

A. ADVISORY FEES
ARM Financial LLC charges an annual Management Fee of 1.5% of assets under
management. The fee is calculated daily based on the account's net liquidation value at
the prior day's close and deducted in arrears.

Fee Terms:

• Fees may be negotiated at the Firm's sole discretion
• Fees are not charged in advance
• A fee schedule is available upon request

IMPORTANT: Clients should compare our fees with those of other advisers. Lower fees
for comparable services may be available elsewhere. We encourage prospective
clients to evaluate fee structures when selecting an investment adviser.

B. FEE PAYMENT METHOD
All client accounts are held at Interactive Brokers LLC (IB). Fees are deducted directly
from client accounts as follows:

• IB calculates the daily fee based on the agreed annual rate

                                                               ARM Financial LLC | Form ADV Part 2

• IB deducts the fee directly from the client's account
• Clients authorize this fee deduction when opening their IB account
• Daily statements showing fees and transactions are available through IB's website
• ARM Financial forwards quarterly statements from IB summarizing fees collected
In cases where direct withdrawal is not possible, clients will be billed quarterly in
arrears.

C. OTHER COSTS
In addition to advisory fees, clients will incur:

• Brokerage commissions and transaction costs (see Item 12)
• Fees and expenses of any mutual funds, ETFs, or other investment products held in the
   account
• Custodian fees charged by Interactive Brokers
These costs are separate from and in addition to ARM Financial's advisory fees.

D. PREPAYMENT
ARM Financial does not require or solicit prepayment of fees.

E. SALES COMPENSATION
Neither ARM Financial LLC nor any of its supervised persons accepts compensation for
the sale of securities or other investment products, including commissions, sales charges,
or 12b-1 fees. We are compensated solely through the advisory fees described above.

ITEM 7 – TYPES OF CLIENTS

A. DESCRIPTION OF CLIENTS
ARM Financial LLC provides wealth management services to individuals and their
families. The Firm also serves as general partner and investment manager to ARM
Financial Opportunities Fund LP, a private investment fund.

                                                             ARM Financial LLC | Form ADV Part 2

B. ACCOUNT MINIMUMS
New clients must have a liquid net worth of at least $1,000,000. The Firm requires that
new Leveraged Macroeconomic strategy clients place at least $500,000 of assets under
management when opening an account.

These minimums may be waived at the Firm's discretion based on factors such as the
nature of the client relationship, anticipated future assets, or other relevant
considerations.